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    Fundbox Business Financing

    Instant credit lines with AI approval and flexible repayment options.

    Founded 2013
    San Francisco, CA
    201-500
    www.fundbox.com
    Size:
    Startup & SMB
    |
    Best For:
    Broker
    Carrier
    Retailer / eCommerce

    Platform Overview

    Fundbox provides lines of credit and invoice financing for small logistics businesses, carriers, and brokers. AI-powered underwriting analyzes business data in real-time for approvals in minutes with credit lines up to $150K. The platform connects to accounting software, bank accounts, and payment processors for automated creditworthiness assessment. Flexible draw-down and repayment options help logistics operators bridge cash flow gaps between delivering loads and receiving payment from customers.

    Core Strengths
    • AI-powered underwriting assesses business health rather than just credit scores
    • $6 billion total loans made with $2B+ annual origination capacity
    • Partnership-focused embedded finance model reaching 500,000+ small businesses
    Best Suited For
    • Small businesses needing operating expense coverage (56% of use cases)
    • Companies seeking fast 1-2 day funding with minimal documentation
    • Businesses wanting invoice payment acceleration without traditional credit requirements
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    Why Choose Fundbox Business Financing

    Instant credit lines with AI approval and flexible repayment options.

    Best For
    Startup & SMB
    Broker
    Carrier
    Retailer / eCommerce

    Fundbox Business Financing Features (8)

    Business Line of Credit - Up to $150,000 with 12 or 24-week repayment terms
    Net Terms (Vendor Credits) - Fast payment for supplier invoices
    Flex Pay - Free flexible repayment service to adjust payment schedules
    AI-Powered Underwriting
    Fast Approvals - Decisions within minutes to same-day
    Quick Funding - Funds arrive in 1-2 business days
    Mobile App - Available for iOS and Android (rare among lenders)
    Embedded Capital Solutions - White-label financing within partner platforms

    Fundbox Business Financing Integrations (8)

    QuickBooks (Intuit)
    FreshBooks
    Wave (2025)
    Nav (Mar 2024)
    Autobooks
    EverCommerce
    Cross River Bank
    Banking APIs

    Company Background

    Company Details
    Founded:2013
    Location:San Francisco, CA
    Employees:201-500
    Company History
    Founded 2013 Fundbox established in San Francisco
    Sept 2024 Secured $2B+ warehouse capacity from Cross River and Waterfall
    2024 ~$1B volume in 14 months, partnerships with Nav, Wave, EverCommerce
    Funding History
    $400M+ raised
    Major fintech with Cross River Bank $2B+ facility
    Investors: General Atlantic, Spark Capital, Khosla Ventures

    Source: fundbox.com, American Banker. Data verified December 2025.

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